千一代的净资产升至15.95万亿美元, 但高额支出仍阻碍他们对财富的感觉. Millennials' net worth surged to $15.95 trillion, yet high expenses still hinder their feeling of wealth.

千年净值翻了两番,五年内达到15.95万亿美元,但许多人仍然不觉得富裕。 Millennials' net worth has quadrupled to $15.95 trillion in five years, but many still don't feel wealthy. 这种“幻影财富”来自房屋和退休计划等非流动性资产，它们不会影响日常现金流。 This "phantom wealth" arises from illiquid assets like homes and retirement plans, which don't affect daily cash flow. 尽管就业市场强劲,家庭价值不断上升,但学生贷款、抵押贷款和儿童保育费用高昂,因此很难为未来储蓄。 Despite a strong job market and rising home values, high costs for student loans, mortgages, and childcare make it hard to save for the future. 专家说,财政保障往往依赖于收入低于一种收入的支出。 Financial security often depends on spending less than one earns, experts say.